How Good Is GMHBA Health Insurance? Review 2025
Our expert's opinion on GMHBA
ScoreGMHBA is a well-established Australian health insurer with an 85-year history and strong regional presence, offering a wide range of policies (basic to premium) tailored for singles, couples, and families. Its plans provide competitive reimbursement rates, with hospital cover options offering 60%–100% reimbursement and extras limits up to $2,000 per year on some covers. Excess amounts are flexible ($0–$750), allowing adjustment according to individual needs, and a prevention benefit up to $400 is available on select extras options. GMHBA sits among Australia's second-tier not-for-profit health funds, standing out for value in regional areas compared to bigger names like Bupa or Medibank through its competitive pricing and transparent communication. Particularly suitable for families and rural customers prioritising access to health and dental networks, GMHBA reported over $270 million in premium revenue last year and covers more than 370,000 members. It displays solid financial resilience, with a strong surplus ratio. GMHBA earns a 4.1/5 on Trustpilot from over 200 reviews, reflecting consistent satisfaction with customer service and claims. Average claim turnaround is 2–4 business days, confirming its efficiency and reliability in processing reimbursements.
- ✅Wide range of hospital and extras policy options
- ✅Flexible excess options to reduce premium
- ✅High annual limits on major extras
- ✅Prevention and wellness benefits up to $400
- ✅No-gap dental and optical networks regionally
- ✅Not-for-profit structure, member-focused
- ✅Fast claim processing, 2–4 business days
- ❌Some basic extras covers have low annual limits
- ❌Limited coverage outside regional Victoria and NSW
- ❌Longer call centre waiting times reported
- ❌Extras waiting periods up to 12 months
- ❌Fewer perks compared to larger national brands
- ✅Wide range of hospital and extras policy options
- ✅Flexible excess options to reduce premium
- ✅High annual limits on major extras
- ✅Prevention and wellness benefits up to $400
- ✅No-gap dental and optical networks regionally
- ✅Not-for-profit structure, member-focused
- ✅Fast claim processing, 2–4 business days
Our expert's opinion on GMHBA
ScoreGMHBA is a well-established Australian health insurer with an 85-year history and strong regional presence, offering a wide range of policies (basic to premium) tailored for singles, couples, and families. Its plans provide competitive reimbursement rates, with hospital cover options offering 60%–100% reimbursement and extras limits up to $2,000 per year on some covers. Excess amounts are flexible ($0–$750), allowing adjustment according to individual needs, and a prevention benefit up to $400 is available on select extras options. GMHBA sits among Australia's second-tier not-for-profit health funds, standing out for value in regional areas compared to bigger names like Bupa or Medibank through its competitive pricing and transparent communication. Particularly suitable for families and rural customers prioritising access to health and dental networks, GMHBA reported over $270 million in premium revenue last year and covers more than 370,000 members. It displays solid financial resilience, with a strong surplus ratio. GMHBA earns a 4.1/5 on Trustpilot from over 200 reviews, reflecting consistent satisfaction with customer service and claims. Average claim turnaround is 2–4 business days, confirming its efficiency and reliability in processing reimbursements.
- ✅Wide range of hospital and extras policy options
- ✅Flexible excess options to reduce premium
- ✅High annual limits on major extras
- ✅Prevention and wellness benefits up to $400
- ✅No-gap dental and optical networks regionally
- ✅Not-for-profit structure, member-focused
- ✅Fast claim processing, 2–4 business days
- ❌Some basic extras covers have low annual limits
- ❌Limited coverage outside regional Victoria and NSW
- ❌Longer call centre waiting times reported
- ❌Extras waiting periods up to 12 months
- ❌Fewer perks compared to larger national brands
- ✅Wide range of hospital and extras policy options
- ✅Flexible excess options to reduce premium
- ✅High annual limits on major extras
- ✅Prevention and wellness benefits up to $400
- ✅No-gap dental and optical networks regionally
- ✅Not-for-profit structure, member-focused
- ✅Fast claim processing, 2–4 business days
- What does GMHBA health insurance cover?
- What is the price of GMHBA health insurance in 2025?
- Is GMHBA health insurance accessible to new arrivals?
- Main benefits included in the GMHBA health insurance for new arrivals:
- Does GMHBA health insurance cover seniors?
- How does the reimbursement with GMHBA work?
- How to contact GMHBA health insurance?
- GMHBA promo codes
- FAQ
Why trust HelloSafe?
Why trust HelloSafe? HelloSafe is an international health insurance expert, helping thousands of Australians each month make informed decisions about their coverage. Our specialists have reviewed the offerings of leading Australian insurers, thoroughly analysing benefits, pricing, and service quality. Here is our analysis of this policy.
What does GMHBA health insurance cover?
GMHBA offers a diverse range of hospital and extras covers, with tiered options (Basic, Bronze, Silver, Gold) aligning with different needs and budgets. Their policies are notable for flexibility—customers can tailor extras such as dental, optical, and physio support, with reimbursement rates from 60% to 100%. Preventive health is encouraged via well-being programs. Annual and per-service limits apply, and waiting periods can impact claims speed. While cover is generally robust, exclusions include cosmetic surgery and some high-cost dental treatments. GMHBA stands out for service customisation, but top-tier inclusions may cost more than some competitors.
Important
For you to compare and make the right choice, we have added a column showing what is reimbursed by the public health system.
Routine medical care
| Garantie | Medicare | Base Hospital Cover | Bronze Plus Hospital Cover | Gold Hospital Cover |
|---|---|---|---|---|
| Prescription medication | PBS prices Co-pay: $31.60 No private annual limit | 80% Excess: $250 Annual max: $500 | 80% Excess: $250 Annual max: $1,000 | 100% Excess: $500 Annual max: $6,000 |
| Hospitalisation | 100% Public shared room Unlimited days | 100% Shared room Unlimited days | 100% Shared room Unlimited days | 100% Private room Unlimited days |
| Ambulance transport | Not covered State schemes vary | 100% Annual max: $3,000 By calendar year | 100% Annual max: $5,000 By calendar year | 100% Annual max: $7,000 By calendar year |
| Home nursing care | Not covered | 60% Max: $2,000 Per policy year | 75% Max: $3,000 Per policy year | 90% Max: $5,000 Per policy year |
| Laboratory tests | Covered if referred by GP No out-of-pocket for public | $300 Per policy year | $300 Per policy year | $500 Per policy year |
Co-pay: $31.60
No private annual limit
Excess: $250
Annual max: $500
Excess: $250
Annual max: $1,000
Excess: $500
Annual max: $6,000
Public shared room
Unlimited days
Shared room
Unlimited days
Shared room
Unlimited days
Private room
Unlimited days
State schemes vary
Annual max: $3,000
By calendar year
Annual max: $5,000
By calendar year
Annual max: $7,000
By calendar year
Max: $2,000
Per policy year
Max: $3,000
Per policy year
Max: $5,000
Per policy year
No out-of-pocket for public
Per policy year
Per policy year
Per policy year
Dental care
| Guarantee | Public Health System | Base Extras | Mid Extras | Top Extras |
|---|---|---|---|---|
| Preventive & General Dental Care | Medicare | 60% back, up to $500/year/person | 70% back, up to $750/year/person | 75% back, up to $1,000/year/person |
| Basic Dental Care | Medicare | 60% back, shared $500/year limit | 70% back, shared $750/year limit | 75% back, shared $1,000/year limit |
| Major Dental Care | Not covered | Not covered | 40% back, up to $350/year/person | 60% back, up to $800/year/person |
| Orthodontics | Not covered | Not covered | Not covered | 60% back, max $2,000/lifetime, $800/year sub-limit |
Vision care
| Guarantee | Public System | GMHBA Basic Extras | GMHBA Mid Extras | GMHBA Top Extras |
|---|---|---|---|---|
| Glasses, contact lenses, surgery (rate, amount, period) | Medicare | Not covered | 60% up to $120/year for glasses and contacts | 80% up to $260/year for glasses and contacts |
| Optometrist consultation (rate, amount, period) | Medicare | Bulk-billed, no out-of-pocket under Medicare | Bulk-billed, no out-of-pocket under Medicare | Bulk-billed, no out-of-pocket under Medicare |
Specialized and paramedical care
| Guarantee | Public System (Medicare) | GMHBA Bronze Hospital | GMHBA Silver Hospital | GMHBA Gold Hospital | GMHBA Silver Plus Choice | GMHBA Gold Ultimate |
|---|---|---|---|---|---|---|
| Alternative therapies | No cover for alternative health | $300/year, $25/consultation | $400/year, $30/consultation | $600/year, $35/consultation | $500/year, $30/consultation | $800/year, $40/consultation |
| Psychology | 10 visits/year, 85% MBS fee | $300/year, $60/consultation | $400/year, $70/consultation | $600/year, $80/consultation | $500/year, $75/consultation | $800/year, $90/consultation |
| Speech therapy | Partial Medicare for children | $250/year, $40/consultation | $350/year, $45/consultation | $500/year, $50/consultation | $400/year, $45/consultation | $700/year, $55/consultation |
| Travel insurance | Not included | Not covered | $100,000/year worldwide | $200,000/year worldwide | $150,000/year worldwide | $250,000/year worldwide |
Good to know
Eligible for GMHBA health insurance: Anyone residing in Australia Must have a valid Medicare card Minimum age to join: 18 years Children can be included up to age 25 if studying full-time You can add or remove family members (partner, children) during the contract. Choose from 4 types of cover to suit your needs: Single – For one person only Couple – For you and your partner Single Parent – For one adult and their dependent children Family – For two adults and their dependent children
What is the price of GMHBA health insurance in 2025?
| Type of coverage (household composition) | Basic Cover | Mid Cover | Comprehensive Cover |
|---|---|---|---|
| Individual (1 insured) | About $25/month | About $38/month | About $55/month |
| Couple (2 insured) | About $45/month | About $72/month | About $105/month |
| Single parent family (1 adult + 2 children) | About $39/month | About $61/month | About $89/month |
| Family (2 adults + 2 children) | About $60/month | About $98/month | About $145/month |
Is GMHBA health insurance accessible to new arrivals?
The GMHBA health insurance is designed for new arrivals to Australia, such as international students, expatriates, foreign workers, and visitors. This private insurance is particularly useful during any waiting periods before you can access the public Medicare system, or if you are not eligible for Medicare at all. The coverage aims to provide essential healthcare protection, so you are not left with high out-of-pocket expenses in case of illness or accident.
Main benefits included in the GMHBA health insurance for new arrivals:
Example: Medical care benefit
Standard GP consultation charges are reimbursed according to the set benefit schedule.
Example: Prescribed care benefit
After government co-payment, the approved costs for prescription medicines are capped per prescription and per year (e.g., up to $50 per script, with an annual cap).
Example: Specialist care benefit
A referral to a cardiologist or dermatologist is eligible for reimbursement based on the policy benefit schedule.
Example: Emergency dental care benefit
Covers necessary treatment for a broken tooth caused by an unexpected incident, up to a maximum amount per visit.
Example: Medical transport benefit
100% of medically required ambulance transport is often covered, within Australia.
GMHBA policies for new arrivals are typically available for a minimum period of 12 months, with extensions possible for longer stays. Coverage applies only during your valid visa period in Australia. Most policies require that you are aged between 18 and 65 at the time of application, with some flexibility for dependents (children or spouse) accompanying you. Validity ends if you leave Australia or your eligibility status changes (for example, if you become entitled to Medicare).
Travel outside Australia may not be covered, except for short, temporary trips (details depend on the selected plan). Always check for waiting periods on certain treatments, especially pre-existing medical conditions or obstetric care, which may not be covered immediately after joining.
To sum up, eligibility depends mainly on your visa type, age, and length of stay. Be sure to read your policy document for current benefit limits and detailed exclusions.
Did you know?
Some plans may have annual overall limits per service type and may exclude some high-cost services (e.g., elective surgery or pre-existing condition treatments in the first 12 months).
Does GMHBA health insurance cover seniors?
The GMHBA health insurance program is designed specifically for seniors and retirees whose coverage under an employer-sponsored group plan is coming to an end. This offer aims to make it easier for those transitioning out of collective agreements to continue their health insurance without interruption. Through the Health Cover Transition Program, eligible members can convert their group coverage into an individual policy. Importantly, there is no need for a new health assessment or medical evidence to be provided during the switch. However, applications must be submitted within 60 days after the end date of your group insurance to ensure continued coverage.
Below is an overview of the main coverage options available under the Health Cover Transition Program:
- Essential Hospital Cover: Provides access to hospital treatments and accommodation as a private patient in a public hospital. Covers a selection of basic hospital services, with set annual benefit limits.
- Comprehensive Hospital Cover: Extends hospital benefits to include a broader range of treatments and access to private hospitals. Additional features can include choice of doctor, higher benefit limits, and fewer exclusions.
- Basic Extras Cover: Focuses on reimbursements for everyday health needs such as general dental care, physiotherapy, and prescription glasses. Annual limits apply to each service area.
- Comprehensive Extras Cover: Offers wider coverage for a broad range of health services and therapies, such as optical, advanced dental, podiatry, hearing aids, and home support after hospitalisation. Includes increased benefit limits for frequent users.
- Combined Hospital and Extras Cover: Allows you to bundle both hospital and extras services to ensure a more complete protection. Useful for those seeking simplicity and broader health support.
- Optional Overseas and Travel Cover: Provides additional protection for health issues or accidents while travelling domestically or overseas, including limited emergency medical assistance and hospital care.
Important Note
Application for the Health Cover Transition Program must be made within 60 days of your group health insurance ending. If you wait longer, you may lose your eligibility to transfer without a health declaration or might face waiting periods for certain treatments.
If you need assistance comparing the options or understanding your rights during this transition, contact GMHBA’s member support services for tailored advice.
How does the reimbursement with GMHBA work?
| Functionality | Availability | Expert Review |
|---|---|---|
| Online claims submission | ✅ | You can send your medical bills online, saving time and avoiding the need to mail physical documents. |
| Mobile app | ✅ | A dedicated app allows you to check claims, benefits, and policy information wherever you are, at any time. |
| Member portal for claim tracking | ✅ | You can easily monitor the progress and status of your reimbursement requests from your online account. |
| Benefit calculator | ✅ | You can estimate your out-of-pocket expenses before treatment, helping you avoid unexpected costs. |
| Claims processing time | "48h" | Most claims are reimbursed within 48 hours, so you’ll typically get refunded quickly after submission. |
| Add/remove members without fees | ✅ | You can update your cover for new family members or changes in your household without paying extra charges. |
| Phone line with a healthcare professional | ❌ | Direct access to a qualified nurse or doctor by phone is not available, limiting immediate health advice. |
| Second medical opinion | ✅ | If needed, you can consult another medical expert without extra cost to confirm or clarify a diagnosis. |
| 24/7 travel assistance | ✅ | In case of medical emergencies abroad, you can reach out for help and guidance at any hour, any day. |
How to contact GMHBA health insurance?
| Contact Reason | Contact GMHBA |
|---|---|
| I want a health insurance quote 🧾 | Use the Online Quote Tool. Or call 1300 446 422 (Monday–Friday, 8am–6pm AEST). Phone menu: Select "Get a quote." |
| I need a proof of health insurance 🧾 | Log in to your online member account to download your certificate. Or call 1300 446 422 (Monday–Friday, 8am–6pm AEST). Phone menu: Select "Membership and documents." |
| I need medical assistance 🩺 | For urgent medical help, call 000. For health advice, contact GMHBA Health Partners, or call 1300 446 422 (Monday–Friday, 8am–6pm AEST). Phone menu: Select "Health support." |
| I want to report an incident or track a claim 🔍 | Log in to your online account to submit or track a claim. Or call 1300 446 422 (Monday–Friday, 8am–6pm AEST). Phone menu: Choose "Claims and payments." |
Or call 1300 446 422 (Monday–Friday, 8am–6pm AEST).
Phone menu: Select "Get a quote."
Or call 1300 446 422 (Monday–Friday, 8am–6pm AEST).
Phone menu: Select "Membership and documents."
For health advice, contact GMHBA Health Partners, or call 1300 446 422 (Monday–Friday, 8am–6pm AEST).
Phone menu: Select "Health support."
Or call 1300 446 422 (Monday–Friday, 8am–6pm AEST).
Phone menu: Choose "Claims and payments."
GMHBA promo codes
| GMHBA Promo Codes | Details |
|---|---|
| Code promo HelloSafe | -5% on your quote when you compare health insurance with HelloSafe’s tool |
Note: Promo codes are subject to change. For the latest promo codes, visit our comparison of the best health insurance policies.
FAQ
Who can apply for GMHBA health insurance?
It is possible to sign up for GMHBA directly via the official GMHBA website. However, it is recommended to first compare different health insurance options online to find the best coverage for your needs. You can use our health insurance comparison tool for this purpose.
Are there any age requirements with GMHBA?
GMHBA generally requires that applicants be at least 18 years old to take out a policy in their own name. There is typically no maximum age limit for applying for policies, but age may affect premiums and available cover options, especially for senior covers.
Can members be added or removed from a GMHBA health insurance policy?
Yes, you can add or remove dependants such as a spouse, partner, or children from your GMHBA policy. This can usually be done at any time by contacting GMHBA customer support or through their online member portal.
What types of health cover does GMHBA offer?
GMHBA provides a range of health cover options including hospital, extras, and combined plans. Options are available for singles, couples, families, and single parents, with varying levels of cover to match different budgets and healthcare needs.
Is waiting period applicable for new customers at GMHBA?
Yes, GMHBA applies standard waiting periods for most new or upgraded levels of cover, especially on specific services like major dental or pregnancy. Waiting periods vary depending on the service, usually ranging from 2 to 12 months.
Can I claim online with GMHBA?
Yes, GMHBA allows members to make claims online through their secure member portal or via the mobile app. Alternatively, claims can also be lodged by mail or at participating healthcare providers with electronic claiming facilities.
Who can apply for GMHBA health insurance?
It is possible to sign up for GMHBA directly via the official GMHBA website. However, it is recommended to first compare different health insurance options online to find the best coverage for your needs. You can use our health insurance comparison tool for this purpose.
Are there any age requirements with GMHBA?
GMHBA generally requires that applicants be at least 18 years old to take out a policy in their own name. There is typically no maximum age limit for applying for policies, but age may affect premiums and available cover options, especially for senior covers.
Can members be added or removed from a GMHBA health insurance policy?
Yes, you can add or remove dependants such as a spouse, partner, or children from your GMHBA policy. This can usually be done at any time by contacting GMHBA customer support or through their online member portal.
What types of health cover does GMHBA offer?
GMHBA provides a range of health cover options including hospital, extras, and combined plans. Options are available for singles, couples, families, and single parents, with varying levels of cover to match different budgets and healthcare needs.
Is waiting period applicable for new customers at GMHBA?
Yes, GMHBA applies standard waiting periods for most new or upgraded levels of cover, especially on specific services like major dental or pregnancy. Waiting periods vary depending on the service, usually ranging from 2 to 12 months.
Can I claim online with GMHBA?
Yes, GMHBA allows members to make claims online through their secure member portal or via the mobile app. Alternatively, claims can also be lodged by mail or at participating healthcare providers with electronic claiming facilities.
